What if I need to break my lock on my home loan? November 25, 2020 16:43 Updated You are free to withdraw your SoFi Home Loan application and break your lock at any time. There is no fee for doing so Related articles What if my lock expires before my home loan is complete? How do I lock my home loan? What exactly does "locking" mean? Do I need to have an escrow account? What is SoFi's lock policy?